Shows
PROPERTY HARD TRUTHS SGEpisode 04 - HDB to Condo. Can I Really Afford It?NeezaNizam discussed the feasibility and affordability of upgrading from an HDB to a condo. They emphasize that many clients are everyday Singaporeans, including teachers, nurses, and business owners, who have the capacity to elevate their wealth. They highlight the importance of proper financial calculations, including the Total Debt Servicing Ratio (TDSR), which limits loan amounts to 55% of income. They note that HDB prices have risen 35% in five years, providing significant equity. The team advises against maximizing loans to manage risk and stresses the importance of a savings plan for future property investments.2025-07-2308 min
PROPERTY HARD TRUTHS SGSeason 5 Episode 03 - Can Money Buy Happiness?What really makes us happy when it comes to money? In this episode, we shared Harvard professor and happiness expert Arthur Brooks views where he breaks down the five things we can do with money—and reveals why only four of them actually bring joy. From the power of shared experiences to the surprising science behind giving and saving, we explore how to use money the right way. Plus, why debt—especially credit cards and car loans—can be a happiness killer, and how shifting your mindset can lead to a more fulfilling life.Most i...2025-07-1407 min
PROPERTY HARD TRUTHS SGSeason 5 Episode 02 : HDB Profit Erosion - Is it True?“Alright, let's talk about something really important today — HDB profit erosion. This is something many homeowners overlook until it's too late. You see, in the past, it was very common for people to buy HDB flats and after five, ten years, they could make a tidy profit — $100K, $150K, sometimes even more. But today, the game has changed. Why? Because the market has shifted. With rising interest rates, cooling measures, and a more educated pool of buyers, the prices are no longer increasing the way they used to.And the biggest...2025-07-0710 min
PROPERTY HARD TRUTHS SGSeason 5 Episode 01 - HIGH Floor. Not Always Better.This episode NeezaNizam discussed the fact that HIGH FLOOR units do not necessary are better units. No sugar coated stuff, just the hard truths.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2025-07-0309 min
PROPERTY HARD TRUTHS SGEp 65: BTO Take Up Rate Muted! Why You Need To Be Concern If You Are Selling Your HDB.This episode NeezaNizam discussed the impact of the muted BTO launch in December 2023 and how it will affect HDB resale market come 2024. No sugar coated stuff, just the hard truths.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-12-1831 min
PROPERTY HARD TRUTHS SGEp 64: Higher Property Tax 2024 - What You Need To Know Before Renting Out Your Property?!This episode NeezaNizam discussed the impact of higher property tax for both owner occupied and non-owner occupied property in Singapore. No sugar coated stuff, just the hard truths.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-12-1328 min
PROPERTY HARD TRUTHS SGEp 63: Manner of Holding - Why It Can Be Complicated When It Comes To Selling?This episode NeezaNizam discussed the impact on manner of holding between non-spouse. No sugar coated stuff, just the hard truths.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-12-0826 min
PROPERTY HARD TRUTHS SGEp 62: Cash Over Valuation. Why Paying COV Might Just Be Worth It ??!!This episode NeezaNizam discussed why it might just make sense to pay COV especially if the unit checks all your boxes including renovation. No sugar coated stuff, just the hard truths.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-12-0323 min
PROPERTY HARD TRUTHS SGEp 61: Right Price or Pricing It Right!! Why HDB Selllers Must Manage ExpectationsThis episode NeezaNizam discussed HDB sellers should price their unit RIGHT and not be too EMOTIONAL on getting the HIGHEST price. No sugar coated stuff, just the hard truths.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-11-3026 min
PROPERTY HARD TRUTHS SGEp 60: Is It A Buyers' Market Today?! Is Property Market in SG Shifting?This episode NeezaNizam discussed whether the property market in SG is shifting to a buyers' market or it has also shifted?!! No sugar coated stuff, just the hard truths.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-11-0218 min
PROPERTY HARD TRUTHS SGEp 59: Are Your CPF Funds Working Hard For You? Why it is world’s top 10 Retirement SchemeThis episode NeezaNizam discussed why Singapore's CPF scheme is among the top 10 in the world. But the question is are we taking advantage of it?? No sugar coated stuff, just the hard truths.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-10-2220 min
PROPERTY HARD TRUTHS SGEp 58: Fully Paid Flat. Is It Really A Wise Move?This episode NeezaNizam discussed why fully paying your flat might not be the best option for you. Understand the fundamentals of fully paying your flat with the RIGHT resources. CASH or CPF? No sugar coated stuff, just the hard truths.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-10-1111 min
PROPERTY HARD TRUTHS SGEp 57: CPF Accrued Interest. Why Are We Still Talking About It?This episode NeezaNizam discussed why people are still clueless about the use of CPF an its accrued interest. Why do we need to "pay back" when we sell our flats. Is it our own money? No sugar coated stuff but the hard truths!!If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-10-0714 min
PROPERTY HARD TRUTHS SGEp 56: Manner of Holding. Does It Really Matter To You?This episode NeezaNizam discussed the misconception of estate distribution especially when it comes to islamic faraid law. The difference in the manner of holding determines what happen to the asset when death occurs. No sugar coated stuff but the hard truths!!If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-10-0526 min
PROPERTY HARD TRUTHS SGEp 55: Can My HDB Fetch $1M?This episode NeezaNizam discussed probably the dream of every Singaporean whether their HDB flat will fetch $1M in the resale market. Or is it just a dream.... No sugar coated stuff but the hard truths!!If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-09-2117 min
PROPERTY HARD TRUTHS SGEp 54: 15 Years Wait To Buy BTO. Is It Worth it?This episode NeezaNizam discussed whether the 15 years wait for a fellow Singaporean to buy his first BTO was worth it. His video went viral and we salute his determination. But what could have been done to shorten the wait?! No sugar coated stuff but the hard truths!!If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-09-1923 min
PROPERTY HARD TRUTHS SGEp 53: Sole Breadwinner. Too Risky to Upgrade to a Bigger HDB?This episode NeezaNizam discussed about whether as a sole breadwinner or single income family, you are able to realise your family dreams for a bigger home. Is it just too risky knowing the current economic climate? No sugar coated stuff but the hard truths!!If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-06-1408 min
PROPERTY HARD TRUTHS SGEp 52: Fire Insurance - Is it enough to protect your property today?This episode NeezaNizam discussed about Fire Insurance and what exactly does it covers. Well, is it enough especially if many a times fire occurs not to your own doing? No sugar coated stuff but the hard truths!!If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg2023-06-0804 min
PROPERTY HARD TRUTHS SGEp 51: Home Protection Scheme (HPS) ... Why Many HDB Owners Are Still Not Covered??!!This episode NeezaNizam discussed about Home Protection Scheme (HPS) and why many still are not covered fully. We share why its important and why home owners are clueless about it. No sugar coated stuff but the hard truths!!If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg.2023-06-0108 min
PROPERTY HARD TRUTHS SGEp 50: Can I Pay Off My Accrued Interest Without Selling My HDB Flat?This episode NeezaNizam disucussed about can you pay off your CPF accrued interest without selling your HDB. We share the pros and cons of such a move and whether it is beneficial to HDB flat owners. No sugar coated stuff but the hard truths!!If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg.2023-05-2911 min
PROPERTY HARD TRUTHS SGEp 49: What The .......!! HDB Buying Process Getting More Tedious?!This episode NeezaNizam talks about the new HDB process called HFE. Does it mean HDB buying process is more tedious or cumbersome? What you need to know before embarking on that flat hunting spree....so that you don't get caught in not doing the process right.If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg.2023-05-2512 min
PROPERTY HARD TRUTHS SGEp 48: Swapping Property? Apa Manfaat Yang Boleh Diraih ??!! (PART 2)Episode kali ini dipetik dari koloborasi bersama Kisah Ruqyah SG di mana kita bincangkan tentang konsep "Swapping Property" - Part 2. Perbincangan kami secara ringkas memberi pendapat kami dari perspektif yang berlainan supaya anda dapat membuat keputusan yang bijak tentang perumahan.Jika anda ada soalan tentang perumahan, DM kami di media social @NeezaNizamSG or there's only one number to call 967 04 504!!2023-03-2309 min
PROPERTY HARD TRUTHS SGEp 47: Swapping Property? Apa Manfaat Yang Boleh Diraih ??!!Episode kali ini dipetik dari koloborasi bersama Kisah Ruqyah SG di mana kita bincangkan tentang konsep "Swapping Property". Perbincangan kami secara ringkas memberi pendapat kami dari perspektif yang berlainan supaya anda dapat membuat keputusan yang bijak tentang perumahan.Jika anda ada soalan tentang perumahan, DM kami di media social @NeezaNizamSG or there's only one number to call 967 04 504!!2023-03-0410 min
PROPERTY HARD TRUTHS SGEp 46: Usia Dah Senja, Hutang Flat Belum Habis!!Episode kali ini dipetik dari koloborasi bersama Kisah Ruqyah SG di mana kita bincangkan tentang implikasi masih ada hutang flat di usia senja. Perbincangan kami secara ringkas memberi pendapat kami dari perspektif yang berlainan supaya anda dapat membuat keputusan yang bijak tentang perumahan.Jika anda ada soalan tentang perumahan, DM kami di media social @NeezaNizamSG or there's only one number to call 967 04 504!!2023-02-2510 min
PROPERTY HARD TRUTHS SGEp 45: Bajet 2023 - Anda Harus Raih Peluang Sebelum Terlambat!!Episode kali ini dipetik dari koloborasi bersama Kisah Ruqyah SG di mana kita bincangkan tentang implikasi dan peluang dari pembentangan Bajet 2023. Perbincangan kami secara ringkas memberi pendapat kami dari perspektif yang berlainan supaya anda dapat membuat keputusan yang bijak tentang perumahan.Jika anda ada soalan tentang perumahan, DM kami di media social @NeezaNizamSG or there's only one number to call 967 04 504!!2023-02-1512 min
PROPERTY HARD TRUTHS SGEp 44: Milik Siapakah Flat Anda Sebenarnya??!! (Part 2)Episode kali ini dipetik dari koloborasi bersama Kisah Ruqyah SG di mana kita bincangkan tentang Hak Milik hartanah anda. Perbincangan kami secara ringkas memberi pendapat kami dari perspektif yang berlainan supaya anda dapat membuat keputusan yang bijak tentang perumahan.Jika anda ada soalan tentang perumahan, DM kami di media social @NeezaNizamSG or there's only one number to call 967 04 504!!2023-02-0713 min
PROPERTY HARD TRUTHS SGEp 43: Milik Siapakah Flat Anda Sebenarnya??!! (Part 1)Episode kali ini dipetik dari koloborasi bersama Kisah Ruqyah SG di mana kita bincangkan tentang Hak Milik hartanah anda. Perbincangan kami secara ringkas memberi pendapat kami dari perspektif yang berlainan supaya anda dapat membuat keputusan yang bijak tentang perumahan.Jika anda ada soalan tentang perumahan, DM kami di media social @NeezaNizamSG or there's only one number to call 967 04 504!!2023-02-0412 min
PROPERTY HARD TRUTHS SGEp 42: BTO or Resale? Is It Just About Luck? (Malay)Episode kali ini dipetik dari koloborasi bersama Kisah Ruqyah SG di mana kita bincangkan tentang BTO atau Resale. Perbincangan kami secara ringkas memberi pendapat kami dari perspektif yang berlainan supaya anda dapat membuat keputusan yang bijak tentang perumahan.Jika anda ada soalan tentang perumahan, DM kami di media social @NeezaNizamSG or there's only one number to call 967 04 504!!2023-02-0214 min
PROPERTY HARD TRUTHS SGEp 41: Asset Progression Again!! Is It Just About Profit??!!This episode discusses the term Asset Progression in greater depth. Many sees asset progression as making money or how much profit can I make when I sell in the future. But one fundamental thing we failed to realise is how it is a process of capital building.To know more, listen to this episode and let us know your view. Thanking you for listening to our podcast and do share with your friends and families should you feel it will benefit them.Follow us at all social media platforms @neezanizamsg. 2023-01-2214 min
PROPERTY HARD TRUTHS SGEp 40: 5 Key Steps To Do Before Your Flat Reaches MOP (Malay)Many of us might not know exactly what to do or prepare when our flat is reaching its 5 year occupational period. Or what we know as MOP. This episode gives a general perspective on what to do before MOP especially if you have plans to sell.So have a listen and share the podcast with friends and families should you think it will benefit them.For free consultation, DM us at instagram @neezanizamsg or whatsapp at wa.me/65967045042023-01-1704 min
PROPERTY HARD TRUTHS SGEp 39: Why You Should Never Buy Over Your Parents HDB FlatMany a times we are caught between being a filial child and being practical especially in the case of our parents HDB flats. Sentiments are high...emotions triggering as memories are held so dearly.In this podcast, we try to rationalise the pros and cons of buying over your parents HDB flat due to sentimental reasons. But before you put pen to paper and sign that purchase, spare a thought for yourselves and your own family.Weigh the consequences if its not done right and ensure you get a neutral party perspective. That's where NeezaNizam...2023-01-1111 min
PROPERTY HARD TRUTHS SGEp 38: Divorced!! Why I Still Cannot Buy HDB??!!Episode kali ini menyentuh tentang "Divorced!! Why I Still Cannot Buy HDB??!!".Banyak kes-kes penceraian yang berlaku menimbulkan lebih masalah dari penyelesaian. Di sini, kita bincang khusus tentang perumahan. Kebanyakan pasangan yang bercerai tidak mampu untuk membeli flat HDB bersendirian kerana tangga gaji yang rendah, hutang yang keliling pinggang dan macam-macam masalah lain.Jadi kita ingin mengupas bagaimana perancangan dan kestabilan unit keluarga itu penting dan jika terpaksa bercerai, apalah langkah-langkah yang harus diambil supaya tidak dibebani masalah demi masalah.....Follow us in IG @neezanizamsg atau call us at the following numbers 9670 4504 or 9787 6959. For Con...2022-12-1914 min
PROPERTY HARD TRUTHS SGEp 37: EXECUTIVE CONDO - is the best option in High Market Conditions ?Episode kali ini menyentuh tentang "Executive Condo" yang ada di pasaran tertakluk kepada polisi HDB. Hanya pembeli rumah Singapura yang pertama kali atau kedua kali sahaja boleh membeli khas dari pemaju. Di waktu harga perumahan naik paling tinggi, anda mungkin telah meraihkan keuntungan yang besar. Kata orang jual mahal beli pun mahal, jadi habis juga keuntungan kita ke rumah HDB yg lain. Boleh ke kita untung lagi ?Jadi, kalau nak untung lagi, kena beli rumah dari pemaju, kerana harga mereka lah adalah base price , bermaksud harga meraka adalah harga permulaan ( base price), ianya hanya boleh n...2022-11-1708 min
PROPERTY HARD TRUTHS SGEp 36: "Cooling Measures (30/09/22)" - Jerangkap Samar? Perkara Penting Supaya Anda Tak Terjerat!Episode kali ini menyentuh tentang "Cooling Measures" yang telah dilaksanakan oleh pemerintah untuk menenangkang pasaran hartanah yang melambung tinggi terutama sekali pasaran HDB.Kami merungkai secara am kesan yang bakal dirasai dengan terlaksananya langkah-langkah ini. Adakah ianya bakal membuat anda terjerat bagaikan jerangkap samar jika perancangan kurang teliti? Ikuti podacast kami untuk mendapat tahu dengan lebih lanjut.Sempena kolaborasi bersama Kisah Ruqyah SG, kami bentangkan bagaimana aset terpenting iaitu rumah boleh dijadikan aset yang kukuh dan bakal membantu anda untuk bersara dengan lebih tenang.Jika ada sebarang soalan, boleh tag dan follow kami...2022-10-2107 min
PROPERTY HARD TRUTHS SGEp 35: Rumahku...Syurgaku...Kongsi Kisah benarEpisode kali ini menyentuh tentang perceraian sekali lagi. Kita kongsi kisah pasangan yang telah bercerai di usia senja dan implikasi terutama pada rumah.....Sempena kolaborasi bersama Kisah Ruqyah SG, kami bentangkan bagaimana aset terpenting iaitu rumah boleh membuat perceraian itu aman atau sebaliknya.Jika ada sebarang soalan, boleh tag kami di IG @neezanizamsg atau hubungi kami di talian 9670 4504 / 9787 69592022-06-0713 min
PROPERTY HARD TRUTHS SGEp 34: Rumahku...Syurgaku...Episode kali ini menyentuh tentang perceraian. Haruskah anda buat perancangan tanpa emosi?Sempena kolaborasi bersama Kisah Ruqyah SG, kami bentangkan bagaimana aset terpenting iaitu rumah boleh membuat perceraian itu aman atau sebaliknya.Jika ada sebarang soalan, boleh tag kami di IG @neezanizamsg atau hubungi kami di talian 9670 4504 / 9787 69592022-06-0310 min
PROPERTY HARD TRUTHS SGEp 33: Upgrade Rumah..Upgrade Hutang?Episode kali ini menyentuh tentang nak upgrade...hutang pun upgrade?Sempena kolaborasi bersama Kisah Ruqyah SG, kami bentangkan bagaimana struktur pembayaran yang peka boleh mendatangkan penjimatan dari segi kadar faedah.Jika ada sebarang soalan, boleh tag kami di IG @neezanizamsg atau hubungi kami di talian 9670 4504 / 9787 69592022-06-0109 min
PROPERTY HARD TRUTHS SGEp 32: Anda Pembeli Pertama Kali? - Faktor Kritikal Anda Harus Tahu (Part 1)Episode kali ini dibawakan sempena Singapore Property Xpo anjuran Propnex Realty Pte Ltd di Furama Riverfront Hotel.Topik perbincangan terbahagi kepada 3 bahagian di mana setiap episode NeezaNizam kupaskan dengan lebih mendalam faktor-faktor kritikal yang harus diambil kira terutama sekali para pembeli hartanah pertama kali.Adakah BTO, HDB Resale, EC ataupun Kondo aset permulaan yang sesuai untuk anda. Sama-sama mendengar perbualan kami.Jika ada sebarang soalan, boleh tag kami di IG @neezanizamsg atau hubungi kami di talian 9670 4504 / 9787 69592022-03-3136 min
PROPERTY HARD TRUTHS SGEp 31: Why You Must Buy Exec Condo - North Gaia, Ada Gaya!!Salam para pendengar Bual Hartanah SG.Episode kali ini berlainan sedikit di mana kita mengongsi tentang EC yang bakal dilancarkan bulan March/April 2022. Kita kupas secara terperinci tentang North Gaia EC dari setiap sudut hingga ke unit layout yang bakal ditawarkan.Kami harap anda dapat gambaran yang jelas dan beri peluang kepada anda dan keluarga untuk tahu layak ke tidak anda beli EC?Dengar podcast kami untuk penjelasan seterusnya.Ikuti perbincangan kami secara santai demi memperkasakan diri anda untuk keluarga tercinta.Let's listen in guys....You can...2022-03-1953 min